On quick review, POJK 13/2018 is similar to Bank Indonesia regulation No. 19/12/PBI/2017 (PBI 19/2017), which was issued a year earlier. Both regulations aim to enhance and support the digital financial ecosystem that is currently flourishing. PBI 19/2017 more specifically covers the payment system for fintech that would affect monetary and financial stability, while POJK 13/2018 covers more generic digital financial innovation. There is still some uncertainly at this point on the practical implementation, in particular for areas such as market support, where the regulations overlap.